Travel Insurance Claim Spain

How to make a travel insurance claim in Spain

Travel insurance (seguro de viaje) covers medical emergencies abroad, trip cancellation or curtailment, lost or delayed baggage, and travel delays. The golden rule is the same for all of them: contact the assistance line as it happens and keep every document, because claims are paid on evidence.

Medical emergencies abroad

Call the insurer’s 24-hour emergency assistance line before treatment wherever possible — they can authorise care, arrange direct payment to the hospital and organise repatriation if needed. If you have to pay yourself, keep every invoice and the medical report. (Within the EU, also carry your EHIC/GHIC, which covers state care — your travel policy tops it up.)

Cancellation or cutting a trip short

Claims need proof of the reason — for example a medical certificate, a death certificate, or written confirmation from the airline/operator — plus the original booking invoices and proof of what was non-refundable. Tell the insurer as soon as you know you must cancel.

Lost, delayed or stolen baggage

• Airline mishandling: get a Property Irregularity Report (PIR) from the airline desk before leaving the airport.
• Theft: file a police denuncia within 24 hours and keep the reference.
• Keep receipts for essential replacements during a baggage delay, and proof of value for lost items.

Documentation checklist

• Policy number and travel dates
• Medical report and itemised invoices (medical claims)
• PIR (baggage) or police denuncia (theft)
• Booking invoices and proof of non-refundable costs (cancellation)
• Boarding passes / proof of delay (delay claims)